JP2003345993A - Fixed amount purchasing system for precious metal - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To rapidly execute procedures such as admission registration, day's spot purchase, return, vendition, and equivalent exchange, without less at a low cost, in a fixed amount purchasing system for precious metals such as gold and platinum. <P>SOLUTION: In this fixed amount purchasing system 10, a client server 20 of a client 18 who is a member having an internet bank account for settlement is connected via the Internet 16 to a main server 14 of a purchase institution 12. The client applies for admission registration, outstanding balance reference, day's spot purchase, return, vendition, equivalent exchange, or the like, by being connected to a fixed-amount dedicated site 36 from the server 20. The institution 12 executes prescribed services while referring to data in a client database 26, a financial institute server 28, a market price file 30, and the like. Charges therefor are immediately settled up from the internet bank account of the client 18. <P>COPYRIGHT: (C)2004,JPO

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system for regularly purchasing precious metals by a so-called dollar cost averaging method.

[0002]

2. Description of the Related Art As one of small investment systems for general consumers, there is a system for regularly purchasing gold and platinum.

[0003] Regarding this purchasing method, there are a "simple average purchasing method" in which a fixed amount is continuously purchased and a "dollar cost average method" in which a constant amount is purchased in order to reduce the risk of fluctuation in precious metal prices.

[0004] Comparing the two methods, the dollar cost averaging method is often employed because the dollar cost averaging method is always cheaper than the simple average purchasing method and the investment amount can be determined by the budget of the customer.

[0005] In this case, the customer sets up an account with the purchasing organization, and the purchased gold, platinum and other precious metal products are placed in custody in the account, or the returned products are kept in custody. Or exchange equivalently the product for another product, or request the purchaser to sell the product in custody and receive payment for the sale.

[0006] The purchase price of the product is usually transferred from the financial institution account for settlement of the customer to the financial institution account of the purchasing organization, or vice versa.

[0007]

In such a fixed price purchase system for precious metals, there is no particular problem in the procedure of periodically purchasing a product of a predetermined amount. To change, (b) spot purchase the product on the day, (c) return the protected product, (d) sell the protected product, and transfer the sale price to the customer's financial institution account, (E) when the protection custody product is exchanged for another product, (f) when the protection custody product is operated by the purchasing organization for the benefit of the customer, and (g) when the admission procedure to this system is performed. Identification,
Procedures such as confirmation of the settlement bank account, (h) when there is a time delay until the transfer in case of insufficient payment at the time of purchase, procedures such as verification and confirmation work are complicated, or the purchase procedure is complicated. There has been a problem in that the optimal opportunity for execution of attachment, sale, equivalent exchange, etc. may be lost.

The present invention has been made in view of the above-mentioned conventional problems, and easily and quickly executes a procedure such as spot purchase or equivalent exchange in a basic fixed price purchase procedure or an additional procedure. It is another object of the present invention to provide a fixed price purchase system for precious metals that can provide services to customers.

Another object of the present invention is to provide a customer with more efficient and secure access to any part of the operation of the system,
Accordingly, it is an object of the present invention to provide a fixed price purchase system for precious metals that enables a customer to access more information and make a timely decision.

[0010]

SUMMARY OF THE INVENTION The object of the present invention is achieved by a flat-rate purchase system in which a client connects to a main server of a purchasing organization via a client server via the Internet. The customer connects to the fixed-rate purchase exclusive site from the client server and applies for subscription, balance reference, spot purchase on the day, return, sale, equivalent exchange, operation, etc., and the purchasing organization is a customer database, financial institution server, A predetermined service is executed while referring to data such as a market price file.

The present invention is a customer having an Internet bank account for settlement at an Internet bank, and
Information on customers who have signed a fixed-rate purchase contract with the purchasing institution that keeps buying precious metal products at a fixed purchase price for a fixed period of time via the client server of the customer and the main server of the purchasing institution, and that customer purchases And the information of the product that has been kept in a customer account set in the purchasing organization,
Information on the deposit from the customer in the customer account, information on the account for settlement of the customer in the Internet bank, and information on the fixed amount of the flat-rate purchase requested by the customer, for each customer account. At the time of the flat-rate purchase, the presence or absence of the debit of the purchase price from the Internet bank account to the purchasing organization is recorded in the customer database via the main server, When the record of the deposit in the customer database is confirmed, the product is purchased every business day by the amount obtained by dividing the purchase price by the number of business days during the certain period, and the purchased product is kept in the customer account each time. age,
The products in custody are delivered by a customer's request, delivery of the actual product, delivery by equivalent exchange with other products, or payment of the price by selling, by the fixed price purchase system for precious metals, The purpose is achieved.

In the above-mentioned fixed-price purchase system for precious metals, a customer who has an Internet bank account for settlement at an Internet bank and who wishes to make a fixed-price purchase contract is sent to a main server of the purchasing organization via a communication line. ,
When applying for a contract, the main server presents an agreement to the applicant via the communication line, accepts the application, and temporarily registers customer information obtained by the application in the customer database. And requesting the Internet bank for identity verification and fund transfer,
An identity confirmation is obtained, there is a confirmation from the customer for the contents of the inquiry from the Internet bank via the communication line, a consent of the account transfer by inputting a password, and this consent is transmitted from the Internet bank via the communication line. When the main server is in the main server, the temporary registration of the customer database is changed to the real registration, the customer account is set, and the acceptance of the main registration is sent to the applicant via the communication line. You may make it notify.

[0013] In addition, in the precious metal flat-rate purchase system, a notice of acceptance of the main registration to the applicant is given by:
The program may be executed using electronic mail from the main server.

[0014] Further, in the fixed price purchase system for precious metals, when the customer applies for spot purchase of a product via the communication line by presenting data of the purchase price to the main server by the client server,
The server determines a purchase weight of the product from the purchase amount by referring to a market price file storing current market price data of the product, and the purchase amount is transferred from the customer's Internet bank account. That the customer account remains as a deposit,
After the confirmation, the purchase of the product of the purchase weight may be executed, and the purchased product may be stored in the customer account in a custody.

Further, in the fixed-price purchase settlement method for precious metals, a purchase confirmation notice may be transmitted to the customer database and the client server of the customer via a communication line after the purchase of the commodity is executed.

Further, in the above-mentioned fixed price purchase system for precious metals, when a customer who wishes to return protected custody goods requests the main custody merchandise balance inquiry from the client server via the communication line, a) the main server refers to the customer database and supplies information on the protected custody product to the client server;
(C) the main server sends a return confirmation to the client server within a range of the protected custody product from the client server, and (c) the main server transmits a return confirmation to the client server; Rewriting the information of the protected custody product of the customer database, and
The return execution of the product may be arranged.

Furthermore, in the precious metal flat-rate purchase system, the return confirmation from the main server may be executed by e-mail.

Further, in the above-mentioned fixed-price purchase system for precious metals, when a customer who wishes to sell a protected deposit product requests the balance of the protected deposit product from the client server to the main server via a communication line, The main server refers to the customer database, supplies information of the custody product to the client server, and within the range of the custody product from the client server, applies for sale of the product to the main server. The main server executes the sale, transmits the sale confirmation to the client server, rewrites the information of the protected deposit product in the customer database, and deposits the sale price in the customer account or confirms the sale of the customer. One of transferring to an Internet bank account may be executed.

Further, in the above-mentioned fixed price purchase system for precious metals, when the customer has applied for sale of a product,
If the purchase price at that time has been announced to the client server, the main server determines the price at that price. The value may be determined.

Further, in the above-mentioned fixed price purchase system for precious metals, the main server has an equivalent exchange site, and a customer who desires an equivalent exchange of the protected custody product can communicate with the main server via a communication line from the client server. When connected to the equivalent exchange site, information for prompting advance application for equivalent exchange is sent to the client server, and when the customer makes an advance application for equivalent exchange, via the client server, a temporary password for customer confirmation at the storefront Prompts you to set a password, and when a temporary password is set,
An application number may be issued from the main server to the client server to receive an advance application.

Further, at the store, when a customer selects a product using the temporary password and the application number and applies for an equivalent exchange, the price of the protection-preserved product is selected by referring to the customer database. If the price exceeds the price of the product, the equivalent of the custody product is withdrawn, the customer database is rewritten, and the selected product is purchased in the electronic commerce-related file, and the product is sent to the customer. Alternatively, delivery at a store may be instructed.

Further, in the precious metal flat-rate purchase system, the main server sends a request to the customer via a communication line for: (a) a balance inquiry request for merchandise which is in custody of the customer; ) Transaction history inquiry request, (c) spot purchase application, (d) new customer introduction, (e) protection return product return application, and (f) protection replacement product equivalent application for other products. One menu information may be sent to prompt the selection of the customer, and the selection of the customer may be received.

Also, in the precious metal flat-rate purchase system, when a balance inquiry request is selected from the menu information, an image of the protected custody product is displayed on the client server in accordance with the type and amount. You may.

[0024]

Embodiments of the present invention will be described below in detail with reference to the drawings.

FIG. 1 shows an overall outline of a fixed price purchase settlement system for precious metals according to an embodiment of the present invention.

The flat-rate purchase system 10 includes a main server 14 provided in a purchasing organization 12 for purchasing precious metals such as gold and platinum, and a customer connected to the main server 14 via the Internet 16. 1
And a client server 20 on the 8 side. Here, the customer 18 is a member who has an Internet bank account for settlement at an Internet bank that executes so-called Internet banking.

The Internet 16 is connected to the Internet 16 via an Internet connection server 22 and a public telephone line 24.
The main server 14 and the client server 20 can be connected.

Further, the Internet 16 includes information on the merchandise of the customer who has been placed in the customer account set in the purchasing organization 12 as a protection deposit, information on a deposit from the customer in the customer account, information on the customer, Information on the Internet bank account for settlement and information on a fixed amount of a fixed amount purchased from the customer are purchased from the customer by the customer database 26 registered for each customer account and the so-called Internet banking. A financial institution server 28 for taking the deposit information to the financial institution account of the institution 12 into the main server 14 online, and a quote file 30 having sequentially changing quote data of precious metals such as gold and platinum are respectively stored. Connected to the main server 1 via the Internet 16
4 can be connected.

The quote file 30 may be provided on the main server 14 side.

As shown in FIG. 2, the main server 14 is provided with a fixed-rate dedicated site 36 on the Internet, and a customer as a fixed-rate member or a customer who wants to contract for a fixed-rate member is operated by the client server 20. When connecting to the fixed-price dedicated site 36, the main server 14
Sends a menu of information prompting the customer to select a procedure.

This menu is, as shown in FIG.
Subscription / registration button 38A, balance reference / transaction history reference button 38B, same day spot application button 38C, mail return application button 38D, sale money transfer application button 3
8E, a screen displaying an equivalent exchange button 38F.

Next, a process of executing a fixed price purchase of precious metals will be described with reference to FIG.

In the purchasing organization 12, step 101
, The monthly basic monthly amount and necessary bank account change data are input from the main server 14 and registered in the customer database 26. In step 102, billing data for bank account transfer is created, and
At 3, the information is sent via the Internet to an Internet bank, which is a customer financial institution previously notified by the customer 18.

In step 104, the client financial institution transfers the monthly basic monthly fee and necessary fee from the customer account to the financial institution account of the purchasing institution 12, and in step 105, the purchasing institution 12 uses the net banking system. Then, it is confirmed from the financial institution server 28 that the transfer price has been received from the customer bank account.

Next, at step 106, the financial institution creates payment data reflecting the transfer result and the unpaid result, and sends it to the main server 14 of the purchasing institution 12 via the Internet.

In step 107, the main server 14 of the purchasing organization 12 receives the deposit data reflecting the transfer result and the undelivered result, and proceeds to step 108.

In step 108, based on the received payment data, payment information of a monthly basic monthly amount is processed. In the case of non-delivery, that is, inability to withdraw money, an e-mail is sent by mail or via the Internet 16. Outputs to the customer 18 a guidance indicating that the payment cannot be made. Also, customer database 2
For 6, the information of payment is output and registered. In the next step 109, the customer 18 receives the non-debitable information and, if desired, transfers the non-delivery charge to the financial institution account of the buying institution 12 in step 110.

In step 111, when there is a transfer of the unpaid amount from the customer, the transfer is processed and registered in the customer database 26.

In step 112, the purchase of the target precious metal is executed every day at an amount obtained by dividing the total of the basic monthly payment and the transfer payment of the unpaid amount by the number of business days during the period (one month). In step 113, the purchased precious metals are sequentially subjected to protection and custody processing, and the purchase is completed.

Next, with reference to FIGS. 4A and 4B, a description will be given of a registration registration procedure of a member of the Internet bank who intends to register for registration in the fixed-price purchase system.

First, in step 201, a member (customer) transmits a request from the client server 20 to the Internet 16
Is connected to the homepage of the purchasing institution 12 via the website, and the menu screen shown in FIG.

Next, the user selects the registration button 38A from the menu screen. When the subscription button 38A is selected, the main server 14 refers to the calendar database to determine whether or not it is the available time for application.

If the judgment result is positive, the next step 203
If not, at step 204, the available time for application / recommendation for application is displayed, and the process ends.

In step 203, the main server 14 displays the terms and conditions of the fixed-price purchase system on the client server 20.

Next, in step 205, the contents of the application to be filled in by the member, name, zip code, address, telephone number, date of birth, gender, e-mail address, login password, financial institution (Internet bank) information, month Encourage entry of unit fixed purchase amount (gold and / or platinum) bullion storage method, introducer, personal identification number when using card, and details of family member if necessary. On the member side, when the application content is entered and transmitted from the client server 20 (see step 206), the main server 14 checks the content in step 207, and if not, in step 208, the client server 20 An error message is displayed on the screen and the user is prompted to enter and send the application details again.

If the result of the determination in step 207 is positive, in the next step 209, the main server 14 issues an application number and registers as a member (temporary registration).
Execute The application number and the information of the temporary registration are sent to the customer database 26.

The main server 14 proceeds to the next step 210
In step (1), a request for personal identification and account transfer is sent to the financial institution server 28 of the Internet bank to prompt confirmation.

In step 211, the identity confirmation from the financial institution server 28 is transmitted to the client server 20 of the applied member, and prompts the user to enter a password when the identity is confirmed and confirmed.

In step 212, when the client server confirms the contents of the inquiry from the Internet bank, the password is input, whereby the preparation for the account transfer at the Internet bank is completed (see step 213).

Next, in response to the account transfer notification from the financial institution server 28, the main server 14 proceeds to step 214.
In step 215, the content is confirmed.
In the above, an error is displayed on the client server 20 of the applied member, and the confirmation is urged again. If it is positive, the main member registration is executed in the main server 14 in step 216, and this is registered in the customer database 26.

In step 217, the registered contents are displayed on the client server 20 of the applied member. Further, in step 218, an e-mail for the main member registration is created and sent (sent) to the registered member.

Next, in step 219, issuance / transmission of a registration notification is prepared, and in step 220, a registration notification (application confirmation) is created, and in step 221 the application confirmation is sent to the customer. At 222, the customer receives the application confirmation.

In the subscribing / registering procedures in steps 201 to 218, security is ensured at the time of data transmission by using an encryption technique (the same applies hereinafter).

In this subscribing / registering procedure, the subscribing applicant himself inputs the application items and transmits them to the main server 14 of the purchasing organization 12, so that the purchasing organization 12 does not need to input application data separately. In addition, input errors can be prevented, and the time required for registration can be reduced.
Further, since the applicant is a customer who has an Internet bank account for settlement at the Internet bank, it is easy to confirm the identity and determine the settlement means.

Further, the transmission of the registration content reception information in step 217 is executed by e-mail, thereby shortening the time until registration, reducing the number of man-hours at the purchasing institution 12, and reducing the postage. Can be.

Since the procedures in steps 210 to 216 are digitized, the time required for the registration procedure is reduced.

Next, with reference to FIG. 5, the process of spot purchase of precious metal products on the day by the fixed price purchase system 10 will be described.

First, the customer 18 receives a request from the client server 20 via the Internet 16 in step 301.
Then, connect to the homepage mentioned above. Further, the customer 18 who has entered the fixed amount dedicated site 36 and received the menu screen of FIG. 2 from the main server 14 selects the spot application button 38C on the day from the menu screen.

At step 302, the current
From the market price of the desired product, it is determined whether or not the retail price has been announced. If the information has not been announced, the process proceeds to step 303, and the transaction is disabled. Step 3 if announced
Proceeding to 04, the customer inputs the purchase price from the client server 20.

Thus, the main server 14 refers to the market price file 30 to determine the purchase weight from the previously announced retail price and the input purchase price (step 305). Next, the process proceeds to step 306, where it is determined with reference to the customer database 26 whether there is a deposit corresponding to the purchase amount.

If there is no deposit, information is transmitted to the client server 20 for prompting the transfer of the price to the designated account of the purchasing organization 12. If there is a deposit, step 30
Proceeding to 7, it is determined whether or not the deposit is sufficient for the purchase price. In the case of a shortage, the information prompting the transfer of the shortage to the designated financial institution account of the purchasing institution 12 is output to the client server 20 as described above (step 30).
8).

There is a purchase price transfer or step 30 described above
If it is determined in step 7 that the purchase price is within the range of the deposit, the process proceeds to step 310, where the main server 14 performs formal processing, that is, spot purchase on the day. This is registered in the customer database 26 at the same time.

Next, the process proceeds to step 311, where the spot-purchased merchandise is kept in a customer account, and in step 312, a spot purchase confirmation notice is transmitted to the customer 18 by e-mail on the day, and the procedure is terminated. The information of the custody of the protection and the notification of the confirmation note are registered in the customer database 26.

The customer database 26 has registered therein information on payment of a commodity sale price described later as a deposit.

In the procedure for spot purchase on the day, the customer can apply for spot purchase on the day for 24 hours at any time and from anywhere using the Internet 16.

Further, before the input of the purchase price of the spot purchase on the day, the announced retail price is displayed with reference to the market price, so that the customer 18 can make a purchase decision on the spot.

In the conventional spot purchase procedure on the day, the merchandise is purchased at the store on a weight basis. However, in the procedure of the present invention, only by inputting the purchase amount from the client server 20, the precious metal price on the day is obtained. The purchase amount is automatically converted, and it is possible to purchase the precious metal according to the desired amount by a quick and simple procedure, and it is not necessary to re-enter the purchase institution 12 side, so the input of the purchase amount Mistakes can be prevented.

The presence or absence of a deposit to be used for spot purchase on the day can be determined in cooperation with the customer database 26, and the customer database 26 is input with the data of the deposit of the sale price of the later-described deposit transfer. By
Diversification of payment methods can be achieved.

Further, in the procedure for spot purchase on the day, only the payment information of the customer whose payment has been confirmed is input to the main server 14, and the processing of the post-process is automatically performed. In particular, by using the Internet bank, the transfer to the financial institution account of the purchasing institution 12 can be executed immediately, and the manual input of the deposit information is not required, and the transaction can be immediately settled.

[0070] This eliminates the time lag from the application for spot purchase on the day to payment and execution of the purchase, thereby greatly reducing the risk of price fluctuations and the risk of cancellation from customers.

Next, the procedure for returning the protected precious metal products by the request of the customer 18 using the Internet will be described with reference to FIG.

The client 18 uses the client server 20 to connect to the above-described home page from the Internet 16 in step 401 in the Internet 16 and call the menu screen from the fixed-rate dedicated site 36, and then selects the mail return application button 38D. Thereby, the main server 1
4, the amount of the customer's custody-protected merchandise is displayed from the customer database 26 (step 402).

Next, in step 403, the customer 18
Inputs return-related items from the client server 20. In the next step 404, the main server 14 refers to the customer database 26 and determines whether the input weight of the returned product is within the range of the weight of the protected custody product or not.

If it is insufficient, the process proceeds to step 405, and the main server 14 prompts the client server 20 to input the return weight again within the range of the custody protection amount.

If it is determined in step 404 that the desired return weight is within the range of the custody protection, or if the desired return weight is input again within the range of the custody protection in step 405, the process proceeds to step 409, where the return procedure is performed. Is started, and the return information is registered in the customer database 26.

When the return procedure is started, step 41
At 0, the confirmation is notified to the client server 20 of the customer 18 by e-mail. At the same time, a notification is sent to the shipping center. In step 411, the assortment of goods is performed in the shipping center. In step 412, the goods to be returned are sent from the shipping center by registered mail with delivery certificate, and received in step 413 by the customer. To end.

In the conventional return procedure, the procedure was carried out over the date and time by mailing the store or mail return application form at the agency, but in this return procedure using the Internet, the return application is instantaneously completed. The product is returned to the customer promptly.

Further, when the return application is made, the customer database is referred to the customer database to determine in advance which form of merchandise, for example, if the money is to be returned in the form of a bar or a coin, is convenient for the customer.

Next, referring to FIG. 7, a description will be given of a procedure for selling protected custody products using the Internet.

As described above, the customer 18 connects to the home page from the client server 20 via the Internet 16 (see step 501). Next, the user enters the fixed amount dedicated site 36, calls the menu screen shown in FIG. 2, and selects the sale money transfer application button 38E.

The main server 14 stores the customer database 2
Referring to FIG. 6, in step 502, the amount of custody is displayed on the client server 20.

The customer 18 inputs sales related items from the client server 20 in step 503.
Next, the process proceeds to step 504, where it is determined whether or not the purchase price at that time has been announced.

If the purchase price has been announced, the process proceeds to step 505, the price is determined based on the price at the time of input by referring to the quote file 30, and the process proceeds to step 510.

If it is determined in step 504 that the purchase price has not been announced, and if the customer desires, the process proceeds to step 506, and the next business day, the quoted price is determined with reference to the quote file 30. Proceed to step 510 described above.

The information on the execution of the sale in step 510 is registered in the customer database 26. After the execution of the sale, the process proceeds to step 511, where the customer submits a request to transfer the deposit generated by the sale to the deposit of the spot on the day. It is determined whether or not there is a transfer request.
Proceed to step 2 to send a transfer confirmation notice to the customer 18 by e-mail.
In step 513, the selling price is transferred to the deposit.

If there is no request to transfer the deposit of the spot on the day, the process proceeds to step 514, where a sale confirmation notification is sent to the customer 18 by e-mail, and the process proceeds to step 515, where the sale price is transferred to the customer-registered Internet bank account. Transfer and finish the procedure.

In this series of Internet-based sales proceeds transfer procedures, it is possible to make a decision to sell at the market rate at the time of the sale application from the customer, and the risk of price fluctuations for the customer is reduced.

On the other hand, conventionally, a customer has requested a sales application form from the customer to the purchasing organization, returned the sales application form, and sold the product at the price at the time the application form was reached. There was a fluctuation risk.

In this Internet use sale money transfer procedure, as the market price to be applied to the sale price, two types can be selected: the purchase price announced at that time or the announced price on the next business day.

Further, conventionally, the payment of the transfer has been made to the customer by cash at the store or by bank transfer, but in the example of this embodiment, it is possible to use the sale price as a deposit. Thus, the sale price can be allocated to the next purchase price. As a result, it is possible to simplify the settlement of the spot purchase price on the customer side and to reduce the transfer fee.

Next, with reference to FIG. 8, a description will be given of a procedure for equivalently exchanging protected custody products using the Internet.

The customer 18 connects to the above home page from the client server 20 via the Internet 16 (see step 601). Next, in step 602, a menu screen is called up from the fixed amount dedicated site 36 shown in FIG. 2, and the equivalent exchange button 38F is selected. As a result, an equivalent exchange application screen is displayed (see step 602).

The customer 18 responds to the guidance on the equivalent exchange application screen displayed on the client server 20,
In step 603, customer information is input. Here, a temporary password for store use for confirming the identity at the store is set.

Next, in step 604, the main server 14 accepts the temporary store password set by the customer and issues an application number. In step 605, a pre-application completion screen is displayed on the client server 20. And ask for confirmation. Customer 18
Checks the advance application in step 606, goes to the store of the purchasing organization within the specified period, and selects the product for equivalent exchange in step 607.

[0095] At the store, the purchasing organization inputs a product selection to the main server 14 (see step 608).

When the merchandise selection information is input by the customer, the main server 14 refers to the customer database 26 in step 609 and determines that the price of the selected merchandise is within the range of the weight (price) of the custody-protected merchandise. Is determined.

If it is out of the range, step 610 is executed.
And processing becomes impossible. If within the range, step 61
The process proceeds to 1 to determine whether or not the price of the precious metal in the custody protection weight is within the limit of the equivalent exchange price of the selected commodity, that is, within the usage limit or not, with reference to the market price file 30.

If the limit has been exceeded, the flow advances to step 612 to disable processing. If it is within the limit, the process proceeds to step 613 to execute the equivalent exchange process. Customer database 26
And execute the equivalent exchange process.

At this time, in step 614, an e-mail for confirming the equivalent exchange is sent to the client server 20, and the process proceeds to step 615. Register with.

The data on the result of withdrawal of the protected custody product is sent to the customer database 26, where the product delivery or shipping instruction is made in step 616.

In this system for equivalent exchange using the Internet, it is possible to evaluate the products in custody in the market on the day, exchange them for the selected products, and promptly settle them.

Further, since the customer can select an actual product at the store, the customer can receive the product on the spot if the satisfaction is high and the product is in stock.

As described above, the customer 18 is connected from the client server 20 to the main server 14 of the purchasing organization 12 via the Internet 16, but the present invention is not limited to this. So-called mobile terminals (using i-mode) instead of client servers
Etc. may be used.

In any case, when data is transmitted, it is needless to say that the data is encrypted using an encryption technique to ensure security.

When presenting a protected custody product to the customer from the customer database 26, images (photographs, computer graphics) of the custody product are displayed in accordance with the quantity, for example, 30 gold bars, 15 coins, etc. When the image is displayed, it is easy for the customer to understand, a sense of reality is generated, and a service is provided.

[0106]

The present invention is configured as described above.
In a flat-rate purchase system for precious metals such as gold and platinum, there is an excellent effect that settlement procedures such as purchase procedures, sales, and equivalent exchanges can be executed quickly and with simple procedures without delaying the market. Also, the enrollment procedure can be performed promptly.

[Brief description of the drawings]

FIG. 1 is a block diagram showing an overall outline of a fixed price purchase system for precious metals according to an embodiment of the present invention.

FIG. 2 is a block diagram showing an electronic site and a selection menu in the identification amount purchase system.

FIG. 3 is a flowchart showing a main fixed price purchase procedure in the identification price purchase system.

FIG. 4A is a flowchart showing the first half of a registration procedure in the identification amount purchase system;

FIG. 4B is a flowchart showing the latter half of the subscription registration procedure;

FIG. 5 is a flowchart showing a procedure for spot purchase on the day in the identification amount purchase system.

FIG. 6 is a flowchart showing a procedure for returning goods using the Internet in the identification amount purchase system.

FIG. 7 is a flowchart showing a procedure for transferring a sales proceeds from the Internet in the identification amount purchase system.

FIG. 8 is a flowchart showing a commodity equivalent exchange procedure using the Internet in the identification amount purchase system.

[Explanation of symbols]

10. Flat-rate purchase system 12 ... Buying organization 14 ... Main server 16 Internet 18 ... Customer 20 ... Client server 26 ... Customer database 28 ... Financial institution server 30 ... Market file 36… Flat-only site 38A… Subscribe / Register button 38B ... balance reference / transaction history reference button 38C… Spot application button on the day 38D… Mail return application button 38E… Sold money transfer application button 38F… Equivalent exchange button

   ────────────────────────────────────────────────── ─── Continuation of front page    (72) Inventor Toshiyuki Kunii             2-6-6 Nihonbashi Kayabacho, Chuo-ku, Tokyo               Inside Tanaka Kikinzoku Kogyo Co., Ltd.

Claims (13)

[Claims] Claims 1. A customer who has an Internet bank account for settlement at an Internet bank, and who purchases precious metals through a client server of the customer and a main server of a purchasing organization at a fixed purchase price at regular intervals. Information on the customer who made a fixed-rate purchase contract with the buying organization that keeps buying the product, information on the product that the customer purchased and was kept in a customer account set in the purchasing organization, and the customer account Information of a deposit from a customer, information of an account for settlement of the customer in the Internet bank, and information of the fixed amount of the fixed amount purchased by the customer from the customer database for each customer account. In the case of the flat-rate purchase, whether or not the purchase price has been deducted from the Internet bank account to the purchasing organization is determined via the main server. When the serial recorded in the customer database, records of payment to the customer database has been confirmed,
The product is purchased every business day by the amount obtained by dividing the purchase price by the number of business days during the certain period, and the purchased product is kept in the customer account each time in protection, and the product in the protection is requested by the customer. Is a fixed-price purchase system for precious metals that is settled by either delivery of goods, delivery by equivalent exchange with other products, or payment by sale. 2. The customer according to claim 1, wherein the customer has an Internet bank account for settlement at the Internet bank,
And, when the applicant for the fixed-price purchase contract applies for a contract to the main server of the purchasing organization via a communication line, the main server presents the contract to the applicant via the communication line. Above, the application is accepted, the customer information obtained by the application is temporarily registered in the customer database, and the Internet bank is
A request is made for identity confirmation and account transfer, and the identity confirmation is obtained, and there is a confirmation from the customer for the contents of the inquiry from the Internet bank via the communication line, an acceptance of the account transfer by inputting a password, and From the Internet bank, when at the main server via a communication line, change the temporary registration of the customer database to a permanent registration, set the customer account, and
A flat-rate purchase system for precious metals that notifies the applicant of the acceptance of the official registration via the communication line. 3. The flat-rate purchase system for precious metals according to claim 2, wherein the notification of acceptance of the main registration to the applicant is executed by using an electronic mail by the main server. 4. The customer according to claim 1, 2 or 3, wherein when the customer applies for a spot purchase of a product via the communication line by presenting data of a purchase price to the main server by the client server, The server is
Determining the purchase weight of the product from the purchase price by referring to a market price file in which current market price data of the product is stored, and determining that the purchase price has been transferred from the customer's Internet bank account; Confirm any of the remaining as a deposit in the account, after confirmation, execute the purchase of the product of the purchase weight, the purchased product,
A flat-rate purchase system for precious metals to be kept in custody in the customer account. 5. The fixed price purchase system for precious metals according to claim 1, wherein a purchase confirmation notice is transmitted to the customer database and the client server of the customer via a communication line after the purchase of the product is executed. 6. A customer according to any one of claims 1 to 5, wherein a customer who wishes to return the security-deposited product requests the security-deposited product balance inquiry from the client server to the main server via a communication line. The main server refers to the customer database, supplies information of the protected custody product to the client server, and urges the main server within the range of the custody protected product to apply for a return of the product from the client server. And the main server sends a return confirmation to the client server,
A fixed-price purchase system for precious metals that rewrites the information of protected products in the customer database and arranges for the return of the products. 7. A fixed price purchase system for precious metals according to claim 6, wherein the return confirmation from the main server is executed by e-mail. 8. A customer according to claim 1, wherein a customer who wishes to sell the security deposit product requests the balance of the security deposit product from the client server to the main server via a communication line. The main server refers to the customer database, supplies information on the protected custody product to the client server, and applies for sale of the product to the main server within a range of the custody protected product from the client server. The main server executes the sale, transmits the sale confirmation to the client server, rewrites the information of the protected deposit product in the customer database, and stores the sale price in the customer account or A flat-rate purchase system for precious metals that either transfers to your Internet bank account or performs one. 9. The method according to claim 8, wherein when the customer has applied for sale of the product, the main server, if a purchase price at that time has been announced to the client server, the price A fixed-price purchase system for precious metals, which is priced according to the customer's request and priced the next business day if it is not announced. 10. The main server according to any one of claims 1 to 5, wherein the main server has an equivalent exchange site, and a customer who desires an equivalent exchange of the protected custody is sent from the client server via the communication line via the communication line. When connecting to the equivalent exchange site of the above, the information prompting advance application for equivalent exchange is sent to the client server, and when the customer makes an advance application for equivalent exchange, the temporary confirmation for customer confirmation at the store is performed via the client server. A flat-rate purchase system for precious metals that prompts the user to set a password, issues an application number from the main server to the client server when a temporary password is set, and accepts an advance application. 11. The method according to claim 10, wherein the temporary password and the application number from the customer are provided at the store.
When the product is selected and an equivalent exchange is applied, the customer database is referred to the customer database and if the price of the protected product exceeds the price of the selected product, the equivalent protected product is withdrawn and the customer is deducted. A flat-rate purchase system for precious metals, which rewrites a database and instructs the e-commerce related file to purchase the selected product, ship the product to the customer, or deliver it at a store. 12. The method according to claim 1, wherein
From the main server to the customer, via a communication line, a balance inquiry request for a product that is a custody of the customer, a transaction history inquiry request, a spot purchase application, a new customer introduction, a return application for the custody product, A flat-rate purchase system for precious metals that accepts the customer's selection by sending at least one menu information item of an equivalent exchange application for a protected custody product with another product. 13. A fixed price purchase system for precious metals according to claim 12, wherein when a balance inquiry request is selected from said menu information, the image of the protected custody product is displayed on the client server in accordance with the type and amount thereof. .